Acquisition tools / 01
Deal Analysis Calculator
Business earnings, financing structure, cash flow and returns.
AIncome statement
| Financials ($) | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 3-Year Average | % of Revenue |
|---|---|---|---|---|---|---|---|---|
| Source | ||||||||
| Revenue | 2,185,695 | 100.0% | ||||||
| Total COGS | 617,109 | 28.2% | ||||||
| Gross profit | 1,340,147 | 1,393,752 | 1,449,503 | 1,507,483 | 1,567,782 | 1,630,493 | 1,568,586 | 71.8% |
| Total operating expenses | 1,366,934 | 62.5% | ||||||
| EBITDA | 172,285 | 179,176 | 186,344 | 193,797 | 201,549 | 209,610 | 201,652 | 9.2% |
| Adjusted EBITDA / SDE | 340,443 | 15.6% |
BDeal structure
Excess inventory is recorded separately, not added to the loan or cash outlay in this model.
CLender (SBA) loan
- Loan amount
- $1,500,000
- Total loan with fees
- $1,541,250
- Monthly payment
- $20,797
DSeller note
To count toward SBA equity, the seller note must be on full standby for the full SBA loan term.
- Post-standby principal
- $225,432
- Post-standby monthly payment
- $3,293
No payments during standby. Interest compounds monthly, followed by 7 years of repayment.
ECash flow & returns
- Lender annual debt
- $249,562
- Seller annual debt
- $0 → $39,519
- Total annual debt
- $249,562 → $289,081
- DSCR
- 1.22x → 1.05x
- CFADS (SDE-Comp-Debt)
- $14,846
- Total owner benefit (Comp + CFADS)
- $114,846
- Attorney fees
- $18,750
- Total cash outlay
- $218,750
- 1-Year ROI
- 6.8%
MARGINAL · full debt service
$1,237 per month
1.25% of lender loan amount
Equity + attorney fees
Transitions show standby, then full seller payments. Returns use full post-standby debt service.
FWorking capital
- TTM monthly COGS
- $53,455
- TTM monthly operating expenses
- $118,407
- Required inventory
- $160,366
- Required cash
- $236,814
GDSCR by year
| Year | Adj. SDE | SDE-Comp | Total debt (Standby) | DSCR (Standby) | Total debt (Post) | DSCR (Post) | Status |
|---|---|---|---|---|---|---|---|
| 2021 | $270,263 | $170,263 | $249,562 | 0.68x | $289,081 | 0.59x | FAIL |
| 2022 | $283,849 | $183,849 | $249,562 | 0.74x | $289,081 | 0.64x | FAIL |
| 2023 | $287,384 | $187,384 | $249,562 | 0.75x | $289,081 | 0.65x | FAIL |
| ◆2024 | $299,963 | $199,963 | $249,562 | 0.80x | $289,081 | 0.69x | FAIL |
| ◆2025 | $317,438 | $217,438 | $249,562 | 0.87x | $289,081 | 0.75x | FAIL |
| ◆TTM | $403,927 | $303,927 | $249,562 | 1.22x | $289,081 | 1.05x | MARGINAL |
HAmortization schedules
The calculators and financial tools provided by The Business Buyer Blueprint are for educational and illustrative purposes only. Estimates are not financial, tax, legal or lending advice. Verify earnings and financing terms with qualified professionals. Loan eligibility and approval are not guaranteed.
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